The A, B, Cs Of Payments 2015

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In many ways, 2015 was the year in which everything – and nothing — about payments changed. Plastic cards, checks – and yes, even cash – still define how payments are made among people and businesses. This is despite the billions of dollars and manhours dedicated to launching a seemingly endless array of new innovations intended to change that.

That’s why 2015 might be one of the most important years in payments and commerce history yet. It was a year in which important lessons were learned about what the future of payments might look like, where we got a better sense of what real problems need to be solved and for whom, what enabling technologies might help us do that, and who might lead the way.

This past year may not have made the big dent in the payments universe that many thought we’d see when the year started. But, more so than many, 2015 will go down in the history books as a turning point nonetheless. It’s likely that the year’s hits and its misses will translate into crucial pivots that will define the year ahead.

So let’s take one last look at 2015, but a bit differently.

I thought it would be interesting to highlight the big topics of conversation in payments and commerce. Turns out that there’s one for every letter of the alphabet.

Of the 26 things that help us better understand the hits, the misses and the too early to tell events that defined Payments 2015, I’ll give you my take on why each is important.

Starting with A for Apple Pay …

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